Get started

To start your pre-approval application, click apply now. If you'd prefer to speak directly to a lender, click here to get in touch with one of our Home Loan Advisers.

What you need to know

We know that getting started can be tough, but we are here to guide you through the process and make it as simple as possible.

Become a member

We value our members. Start your People's Choice journey today by becoming a member.

Most popular questions

  • Variable or fixed rate. Which is right for me?

    If you choose a variable rate home or investment loan, the interest rate can rise or fall depending upon the market and economic conditions. This can potentially impact your repayment amount. On a variable rate, you have the flexibility to make unlimited extra repayments without a fee applying, to pay down your loan sooner.
    Choosing a fixed rate home or investment loan means you can lock your interest in at a set rate for one to five years. So if you think interest rates have hit rock bottom or that rates may rise, you can add certainty to your loan by fixing your repayments for a set period.
    If you're still not sure about which option is right for you, we're happy to help you make the right decision. Call us on 13 11 82 or visit your nearest branch for more details.
  • Can I switch to a fixed interest rate?

    If you want to speak to us about fixing your home loan interest rate, email us on fixmyhomeloan@peopleschoice.com.au with your name, member number and contact phone number and we endeavour to be in touch within 48 hours to talk through your options.
  • Can I split my home loan?

    Yes. Speak to a Home Loan Adviser to discuss your options. 
  • How will I be notified if my interest rate is changing?

    • If you make Principal and Interest repayments, you’ll receive a letter from us with your new rate and repayment information, providing you with at least 20 days' notice for you to make any changes.
    • If you make Interest Only repayments, you’ll receive a letter from us with your new rate.
    • If you have a Line of Credit account, you’ll receive a notification of the rate change on your next statement.

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Get in touch with us and we can help you get the answers you need.